Is that a factory wire job on the main (looks nice with the heat shrink tube) or did somebody in the field cut them to short as I have never seen a panel like that in Canada.

What caused this to happen is the breaker should have been mounted down lower in the cabinet and then this would give you enough room to actually land the lugs onto the busbars.It is also considered good trade practice to centre-feed your busbars here to give better current distribution along the busbar.

This sort of wire has a tonne of strands in it and is really flexible.I'd doubt that this was a factory install, it looks more like something that "happened" on site, no QC guy would ever let an abomination like this leave the factory, if they had any credibility.

The person that did this obviously had no idea what they were doing, irregardless of the fact that (as others have stated above) you have some M8 fuses in there, but you now also have a problem with galvanic corrosion as well, due to the dissimilar metals.